Djamo

Djamo is a mobile-first fintech serving Côte d'Ivoire and Sénégal, giving 1.5M+ users current and savings accounts with an IBAN, virtual and physical Visa cards, money transfers to Mobile Money and bank accounts, bill payments, short-term credit, and BRVM investment products. For businesses, Djamo exposes a REST Business API that lets companies collect payments ("Pay with Djamo"), send single and mass transfers to recipients by phone number, check their real-time balance, and manage marketplace sub-companies, secured with bearer tokens and HMAC-signed webhooks. Djamo is a Y Combinator alumnus backed by investors including Partech.

Djamo is listed with 1 API on the APIs.io network: Business API. Tagged areas include Company, Financial Services, Fintech, Payments, and Banking.

The Djamo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Djamo’s developer surface includes pricing, signup flow, engineering blog, support, and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

49.5/100 developing ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 API 2 Agent Skills

Company Financial Services Fintech Payments Banking Money Transfer AfricaCôte d'IvoireSénégal

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 49.5/100 · developing

Contract Quality 9.1 / 21

Developer Ergonomics 11.2 / 17

Access Clarity 14.3 / 17

Operational Transparency 0.9 / 11

Contract Governance 0.5 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.0 / 15

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/djamo/"><img src="https://apis.io/badge/djamo/card.svg" alt="Djamo on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 42.7 — up to +14.3 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points
Contract Governance scores 4.5 — up to +11.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/djamo/apis.yml: open an issue on github.com/api-evangelist/djamo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

AsyncAPI

measured — observed by APIs.io (published)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Djamo Business API

REST API for businesses to collect payments, send single and mass transfers, check balance, manage sub-companies, and receive HMAC-signed webhooks.

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Collect a payment with Djamo

AGENT SKILL

Send money with Djamo

AGENT SKILL

Djamo API pricing

Prices published by Djamo, read 2026-10-28 from www.djamo.com/fr-ci/tarifs-business.

Plan	Price
Compte Business	100% gratuit Includes: Ouverture de compte, frais de tenue de compte, virements bancaires depuis l'app web, paiements de ma
API — Transfert unitaire ou de masse via API	0,5%
API — Collecte de paiement via API	1%
Collecte par QR code	1%
Collecte par lien de paiement	1%

Plan details, limits and sources →

Billed by: montant collecté · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Djamo Plans Pricing

5 plans

PLANS

Djamo Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Djamo Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Djamo Business API Webhooks

Server-to-server webhook events emitted by the Djamo Business API for transaction lifecycle and charge status changes. Each delivery is signed with an HMAC-SHA256 signature (bas...

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Djamo Authentication

http · 2 schemes

SECURITY

Djamo Domain Security

TLSv1.3

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: djamo
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/djamo.png
name: Djamo
description: Djamo is a mobile-first fintech serving Côte d'Ivoire and Sénégal, giving 1.5M+ users current and savings accounts
  with an IBAN, virtual and physical Visa cards, money transfers to Mobile Money and bank accounts, bill payments, short-term
  credit, and BRVM investment products. For businesses, Djamo exposes a REST Business API that lets companies collect payments
  ("Pay with Djamo"), send single and mass transfers to recipients by phone number, check their real-time balance, and manage
  marketplace sub-companies, secured with bearer tokens and HMAC-signed webhooks. Djamo is a Y Combinator alumnus backed by
  investors including Partech.
url: https://raw.githubusercontent.com/api-evangelist/djamo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- partech
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
x-docs-platform: mkdocs
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-25
tags:
- Company
- Financial Services
- Fintech
- Payments
- Banking
- Money Transfer
- Africa
- Côte d'Ivoire
- Sénégal
tags_raw:
- Company
- Financial Services
- Fintech
- Payments
- Banking
- Money Transfer
- Africa
- Côte d'Ivoire
- Sénégal
- Financial-Services
apis:
- name: Djamo Business API
  description: REST API for businesses to collect payments, send single and mass transfers, check balance, manage sub-companies,
    and receive HMAC-signed webhooks.
  humanURL: https://docs.djamo.com/
  baseURL: https://api-civ.djamo.com
  tags:
  - Payments
  - Transfers
  - Fintech
  properties:
  - type: Documentation
    url: https://docs.djamo.com/
  - type: APIReference
    url: https://docs.djamo.com/api/overview.html
  - type: GettingStarted
    url: https://docs.djamo.com/basics.html
  - type: Authentication
    url: authentication/djamo-authentication.yml
  - type: Conventions
    url: conventions/djamo-conventions.yml
  - type: Idempotency
    url: conventions/djamo-conventions.yml
  - type: ErrorCatalog
    url: errors/djamo-problem-types.yml
  - type: Lifecycle
    url: lifecycle/djamo-lifecycle.yml
  - type: Conformance
    url: conformance/djamo-conformance.yml
  - type: Sandbox
    url: sandbox/djamo-sandbox.yml
  - type: DataModel
    url: data-model/djamo-data-model.yml
  - type: X-MCPServerCandidate
    url: mcp/djamo-mcp.yml
    note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list
      derived from the published API contracts, not an existing server. The scorer already read the manifest and reported
      mcp_server correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
  - type: LLMsTxt
    url: llms/djamo-llms.txt
  - type: AsyncAPI
    url: asyncapi/djamo-webhooks-asyncapi.yml
  - type: Webhooks
    url: asyncapi/djamo-webhooks-asyncapi.yml
  - type: AgentSkill
    url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/djamo-plans-pricing.yml
- type: DomainSecurity
  url: security/djamo-domain-security.yml
- type: Website
  url: https://www.djamo.com/
- type: DeveloperPortal
  url: https://docs.djamo.com/
- type: Pricing
  url: https://www.djamo.com/fr-ci/tarifs-business
- type: SignUp
  url: https://go.djamo.com/app
- type: TermsOfService
  url: https://www.djamo.com/fr-ci/conditions-generales-et-tarifaires
- type: PrivacyPolicy
  url: https://www.djamo.com/fr-ci/politique-de-confidentialite
- type: Blog
  url: https://www.djamo.com/fr-ci/apprendre
- type: Support
  url: https://docs.djamo.com/contact.html
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Djamo API — frequently asked questions

Does Djamo have an API?

Yes. APIs.io lists 1 API from Djamo, including Djamo Business API.

How do I authenticate with the Djamo API?

Djamo uses bearer-token authentication (http · 2 schemes). The details are profiled on APIs.io as Djamo Authentication.

How much does the Djamo API cost?

Djamo publishes its prices; its Compte Business plan is 100% gratuit as of 2026-10-28. APIs.io lists 5 pricing plans for Djamo, with each plan's price, limits and inclusions under Pricing on this page.

Is the Djamo API ready for AI agents?

Djamo has a Kin Score of 49.5 out of 100 (developing) and an Agent Readiness score of 23.6 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/djamo"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/djamo/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/djamo/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.